Ideal Accounts and Appetite
This program is focused on commercial school bus operations—private contractors and fleet operators that transport students for public and private schools. The best-fit accounts typically have documented safety programs, formal driver training, consistent maintenance records, and experienced drivers. ProSight can accommodate small family-owned operators up to larger regional providers, with structure and limits tailored to the account.
Coverage Highlights and Advantages
The School Bus Insurance Program provides a focused set of coverages for transportation risks, including:
- Commercial Auto Liability
- Physical Damage
- General Liability
- Abuse, Conduct and Molestation Liability
These coverages address the primary exposures for student-transport operations—from vehicle collisions and physical damage to passenger liability and sensitive abuse/molestation exposures.
Underwriting Notes
ProSight’s program is offered on a non-admitted (surplus lines) basis, which allows flexibility for complex or hard-to-place risks. Underwriting focuses on safety performance, fleet condition, driver hiring and training practices, and route exposures. Submissions are reviewed individually to align coverage and pricing with the account’s risk profile.
Availability
The program is available in most U.S. states, including AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, and WY. Coverage is placed on a surplus lines basis to provide access where admitted solutions are limited.
Why Work With ProSight Specialty Insurance?
ProSight brings niche underwriting expertise in transportation and student-transport exposures, backed by a partnership with All Trans Risk Solutions. Agents benefit from an underwriting team that understands driver-screening, route risk, maintenance programs, and student-specific liability issues. Expect responsive quoting, flexible terms for non-standard risks, and underwriting guidance to help structure placements and risk management improvements.
Frequently Asked Questions
What types of accounts are a good fit for this program?
The program is ideal for school bus operators and private contractors serving public and private schools who maintain documented safety programs, regular vehicle maintenance, and formal driver training.
Is this an admitted or non-admitted program?
This is a non-admitted (surplus lines) program that offers flexible underwriting and coverage options for unique or hard-to-place transportation risks.
What coverages are included in the program?
Core coverages include Commercial Auto Liability, Physical Damage, General Liability, and Abuse, Conduct and Molestation Liability tailored to student-transport exposures.
In which states is this program available?
The program is available in 48 states plus Washington, D.C., including major markets such as California, Texas, New York, and Florida.
Who underwrites this program?
ProSight Specialty Insurance underwrites the program in collaboration with All Trans Risk Solutions, leveraging transportation industry expertise to evaluate and price risks appropriately.
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